AA银行江西省分行对公经营职能整合研究.pdfVIP

要 商业银行的业务管理经历了从资产管理、负债管理到资产负债管理等发展阶 段，不同发展阶段的管理重点有所不同。进入到21 世纪以后，经济全球化、金融 国际化程度越来越高，IT 技术的发展更是日新月异，商业银行核心竞争力也发生 了很大变化。“以客户为中心”的客户服务理念越来越多地被认为是银行经营的核 心理念，而服务水平，包括服务能力、服务效率、服务态度等，是影响客户选择 的重要因素。 我国商业银行传统的经营模式是按照国有企业的组织架构，按行政区划设置 分支机构，按职能设置经营部门、管理部门和支持部门，形成了基层行一级经营， 管理行多级管理的现状。在金融市场日益发展的今天，市场竞争越来越激烈，传 统经营模式下银行经营管理水平和风险管理能力都难以满足现代商业银行的要 求，许多银行都在探索新的经营模式，希望通过经营模式的变革获得竞争优 。 本文以AA 银行推进公司业务经营模式整合为例，从组织结构、市场竞争力和 市场营销等方面，对AA 银行在北京市分行等四家一级分行实施的对公经营职能整 合试点模式进行对比分析，在此基础上，结合AA 银行江西省分行的实际情况，提 出AA 银行江西省分行对公经营职能整合方案，并对方案实施作出安排。 关键词：商业银行 公司业务 经营模式 市场竞争 1 Abstract Business management of commercial banks experienced from the asset management, liability management to asset-liability management, stages of development, Different stages of development of management has a different emphasis. Into the 21st century, economic globalization, increasing degree of international financial integration, IT technology is changing, the core competitiveness of commercial banks has also changed a lot. Customer-centric concept of customer service are increasingly being considered as the core concept of bank operations, while the level of service, including service capacity, service efficiency, service attitude, are important factors affecting customer choice. Chinas commercial banks traditional business model is based on the organizational structure of state-owned enterprises, according to administrative divisions set up branch offices set up by function operations, management and support departments, formed operation for one-level operator and management for multi-level management status quo. Growing in the financial markets today, increasingly fierce market competition, the traditional business model where the bank management level and risk